Welcome to The Master’s Tax & Financial Services
Our website is an information resource designed to help you learn more about personal finance. We believe that good financial decisions don’t have to be confusing. Our hope is that this website will assist you in learning more about tax issues, investing, retirement, insurance, preparing financially for college, estate planning, and wealth preservation.
As in other areas of life, each of us will be more successful in our financial matters if we hold to a clear objective and make decisions in alignment with our objective. Janelle and Richard are prepared to assist you to:
- Clarify and define your goals
- Identify solutions that fit your needs
- File complete and accurate tax returns taking your best elections
- Plan for future tax events in order to minimize taxes
- Understand how changing financial conditions affect you
- Track your financial progress
- Make investment planning easier (Richard)
Through years of disciplined saving Richard was able to retire from his engineering work early in 2013 at the age of 58. Retirement not only allows more time for grandchildren, but more time for this business. Whatever your future financial goals are - retirement, helping fund college for children or grandchildren, or others - Richard is prepared to help.
No one likes to see a letter from the IRS or state tax or revenue authority, but both Janelle and Richard have taken advanced course work on helping people work through these situations. Both are licensed to represent taxpayers before the IRS.
We are open year-round. During the summer we are often out for a week or so for specialized Continuing Professional Education (CPE) or vacation with grandchildren. But we stay in touch and can help you address your concerns.
Please browse our site. It will not only introduce you to our company philosophy and services, but it will also offer a wealth of educational materials, articles, newsletters, calculators, and other tools — all designed to keep you up-to-date on financial issues, strategies, and trends. This educational material is updated frequently.
Helpful Content
How to Make the Tax Code Work for You
When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
Safeguarding Purchasing Power Across Generations
Help protect what your wealth can do now and across generations.
When to Self-Insure
Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?
Six Surprising Facts About Retirement Confidence
This attention-grabbing infographic covers retirement topics you may not have considered.
Should You Borrow from Your 401(k)?
Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?
Gun Ownership and Your Homeowners Policy
Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.
Qualifying For Medicare Under Age 65
You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.
Separating the Signal From the Noise
A good professional provides important guidance and insight through the years.
Life Insurance Myths: Debunked
Whether you have life insurance through your work or are retired it pays to know the truth about life insurance coverage.
View all articles 
Comparing Investments
Compare two different scenarios side by side to see how they stack up over time.
Wedding Budget Calculator
Estimate total wedding costs and see how different choices affect your overall budget.
IRA Income
Estimate the potential monthly income your IRA balance could generate in retirement.
Student Loan Payoff Calculator: Extra Payments Can Save You
See how extra payments toward your student loans could shorten your payoff timeline.
My Retirement Savings
See how your current savings rate and contributions may grow into retirement income.
College Savings
See how much you may need to save now to cover future college costs for your child.
View all calculators
When Markets React
When markets shift, experienced investors stick to their strategy.
Jane Bond: Infiltrating the Market
Agent Jane Bond is on the case, cracking the code on bonds.
How to Retire Early
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Estate Management 101
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
The Power of Compound Interest
Learn how to harness the power of compound interest for your investments.
When Special Care Is Needed: The Special Needs Trust
A special needs trust helps care for a special needs child when you’re gone.